Chase Ink Business Cash® Credit Card Review for 2022

The current Chase Ink Business Cash® Credit Card is recommended for businesses with high spending. The credit card has a small minimum monthly spend, but comes with no annual fees and the most competitive rates of any business credit cards on the market. This makes it an excellent option for businesses looking to build their credit or build up their spending history without paying an annual fee.

The “ink business cash credit card credit score” is a credit card that offers rewards and benefits. The card also has no annual fees and no foreign transaction fees.

For office-based enterprises, the Chase Ink Business Cash® card provides some of the finest cash back incentives. It now gives a $750 bonus cash back benefit when you spend $7,500 in the first three months after creating an account. This company credit card enables you to add staff cards at no extra charge, as well as establish individual spending restrictions and track costs.

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

Apply Now

Chase’s Protected Website

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Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Bonus for registering in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A Balance transfer fees are 5%. is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, Protection under the Extended Warranty extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Bonus for registering in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A Balance transfer fees are 5%. is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase Insurance: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, Protection under the Extended Warranty extends the time duration of the US manufacturer’s guarantee by an extra year.

Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.

How Do We Determine Which Cash Back Business Credit Cards Are Best?

We evaluate continuing benefits first and initial incentives second when assessing cash back business credit cards like the Chase Ink Business Cash® card. We also consider the annual fee, the introductory and continuing annual percentage rate (APR), and the perks of the card.

Who Should Use Chase Ink Business Cash®?

• Office-based businesses: Each account anniversary year, company owners may receive 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Businesses that need employee cards may add employee cards at no extra cost and establish individual employee spending limits with Chase Ink Business Cash®.
• Chase enables you to transfer your Chase Ink Business CashSM points to another Chase personal or company credit card inside the Ultimate Rewards program for a better redemption value when booking travel for business owners with other Chase credit cards.

Fees for Chase Ink Business Cash®

APR

• Purchases have an introductory APR of 0% for the first 12 months.
• Ongoing Annual Percentage Rate (APR): 13.24 percent to 19.24 percent variable, based on prime rate.
• APR on balance transfers: 13.24 percent to 19.24 percent variable, based on prime rate.
• The APR on a cash advance is 24.99 percent, and it fluctuates with the prime rate.
• Default APR: Up to 29.99 percent, which changes in accordance with the prime rate.

Fees

• There is no annual cost.
• Fee for balance transfers: 5% of the transfer amount or $5, whichever is larger.
• Fee for cash advances is 5% of the advance amount or $15, whichever is larger.
• Purchases purchased outside of the United States are subject to a 3% foreign transaction charge.
• Fee for late payment: $40
• Payment on return: $40
• There is no return check.

If you don’t make your minimum payment on time or if a payment is returned unpaid, your credit card account will be charged the default APR. All outstanding balances and future transactions on your account may be subject to the default APR forever.

Rewards for Chase Ink Business Cash®

• Each account anniversary year, 5 percent cash back on the first $25,000 spent in combined purchases at office supply shops and on internet, cable, and phone services, then 1 percent for every $1 spent after that, with no limit.
• Each account anniversary year, 2 percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, then 1 percent for every $1 spent after that, with no limit.
• For every $1 spent on all other purchases, you’ll get 1% cash back.
• Through Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.

Spend $7,500 on purchases in the first three months after creating an account to get a $750 bonus cash back award.

For each referral company that is authorized for the card, current Chase Ink® cardholders may receive 20,000 points. Referring company owners earns cardholders up to 100,000 points each year.

How to Pay for a Chase Ink Business Cash® Account

• Call (800) 436-7958 for more information.
• Log in to your Chase online account and choose “Pay card” from the drop-down menu.
• App for mobile devices: Tap “Pay card” after logging into your Chase account and selecting your Chase Ink Business Cash® card.
• To pay your credit card bills in person, go to your local Chase location.
• By postal mail: Cardmember Services, PO Box 6294 Carol Stream, IL 60197-6294

For reference, put your credit card number on the cheque.

Additional Features of Chase Ink Business Cash®

Collision Damage Waiver for Car Rentals

When you hire a vehicle using your Chase business card, you and all authorized drivers are covered against theft or accident damage. If the car is being rented for business reasons, coverage is primary, which means you won’t need to utilize your own auto insurance or accept the rental agency’s insurance.

This applies to rentals that are less than 31 days in length. You’ll also be reimbursed for the rental vehicle company’s reasonable and usual towing and loss-of-use expenses. You may be eligible for compensation up to the vehicle’s monetary worth.

Purchase Insurance

Within 120 days after purchase, Chase may repair, replace, or refund damaged or stolen goods bought with your credit card. The maximum amount of coverage is $10,000 per claim and $50,000 per year. Some purchases, such as animals, live plants, computer software, collectibles, real estate, medical equipment, perishables, and preowned products, may be subject to restrictions.

Protection under the Extended Warranty

On warranties of three years or less, Chase will extend the original manufacturer’s guarantee for an extra year, up to a limit of $10,000 per claim and $50,000 per account. You must have charged a part of the transaction to your card or made the purchase using reward points. Computer software, medical equipment, real estate, pre-owned things, motorized vehicles, and items acquired for resale are all excluded.

Travel & Emergency Assistance Services

The cardholder, their spouse, and dependant children aged 22 or under will have access to travel, emergency, medical, and legal support 24 hours a day, seven days a week from Chase. This is mostly a concierge service, as is the case with most small company credit cards. The cost of any help is the responsibility of the cardholder.

Zero Liability & Fraud Protection

You won’t be held liable for any illegal charges made using your card or account information if you have zero liability protection. The bank also keeps a close eye on your account activity to look for any suspicious conduct.

Pros & Cons of the Chase Ink Business Cash®

Alternatives to Chase Ink Business Cash®

Business Cash in American BlueTM

The Business Cash in American BlueTM card offers a straightforward 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% after that. It also offers a low starting APR of 13.24%, and it doesn’t have any annual fees. Finally, this credit card offers a 0% APR for the first 12 months after opening an account, and you’ll earn a $250 statement credit after spending $3,000 in qualifying purchases within the first three months. This card is our pick for the overall best cash back business credit card.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Apply Now

on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you can spend over your credit limit is limited. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is There is There is no annual cost…
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is There is no annual cost…

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Expanded Buying Power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you can spend over your credit limit is limited. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
• There is There is There is no annual cost…
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is There is no annual cost…

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Chase Ink Business Unlimited® is a trademark of Chase Ink.

The Chase Ink Business Unlimited® is a trademark of Chase Ink. card is great for businesses that don’t want to worry about spend categories. You can earn 1.5% cash back for every $1 spent on any business purchase, with no cap and There is There is There is no annual cost…. There’s also a Bonus for new customers of $750 after spending $7,500 within the first three months of opening an account. We chose this card as the best overall small business credit card and one of the best cash back business credit cards for 2022.

Credit Card Ink Business Unlimited®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting 1.5 percent cash back on each and every transaction

Apply Now

Chase’s Protected Website

Compare with

Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Purchases are tax-free., there is an introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
• Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less

Intro APR

Purchases are tax-free., there is an introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
• There is There is There is no annual cost…
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Purchases are tax-free., there is an introductory APR.
• On all purchases, you’ll get unlimited cash back incentives.

Cons

• Balance transfers are not eligible for the introductory APR period.
• Balance transfer fees are 5%.
• Charges fees for international transactions.
• To qualify, you must have outstanding credit.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
• Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
• Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less

PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature

The PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature is a viable option for businesses that carry a balance every billing cycle. Not only does it have a low starting APR (10.99%) compared to other business credit cards, but it also gives you 1.5% cash back on all eligible business purchases with no cap on how much cash back you can earn. In addition, there are There is There is There is no annual cost…s, and new cardholders get a $200 Bonus for new customers after spending $3,000 in qualifying purchases within the first three months of opening an account. This card is one of our choices for the best business credit cards with There is There is There is no annual cost….

PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature PNC Cash Rewards® Visa Signature

Cash back benefits are available to PNC Bank account customers.

Apply Now

PNC’s Secure Website (https://www.pnc.com)

Compare with

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

• If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
• For the first nine billing cycles after creating an account, there is no APR on purchases.
• All purchases will earn you 1.5 percent cash back.
• There is There is There is no annual cost…

Pros

• There is There is There is no annual cost…
• Bonus for registering
• Low annual percentage rate (APR)

Cons

• APR of 0% for a limited time
• On balance transfers, there is no 0% APR term.
• Nonaccount holders are unable to use the online application.

• Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.  
• Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
• Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

• If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
• For the first nine billing cycles after creating an account, there is no APR on purchases.
• All purchases will earn you 1.5 percent cash back.
• There is There is There is no annual cost…

Pros

• There is There is There is no annual cost…
• Bonus for registering
• Low annual percentage rate (APR)

Cons

• APR of 0% for a limited time
• On balance transfers, there is no 0% APR term.
• Nonaccount holders are unable to use the online application.

• Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.  
• Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
• Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Conclusion

The Chase Ink Business Cash® card charges There is There is There is no annual cost… and is an ideal financing solution for office-based businesses that spend up to $25,000 on combined purchases at office supplies stores. It’s also an excellent option for those that need employee cards at no additional cost. If this isn’t the right card for you, compare these top credit cards to find one that’s a better fit for your business.

The “chase ink business card” is a credit card offered by Chase. It has a low interest rate, no annual fees, and cash back rewards.

Related Tags

• ink business cash® credit card credit limit
• chase business credit card
• best chase business credit card
• ink business unlimited® credit card
• ink business preferred® credit card